1. What is the impact of overdue credit cards?

1. Cardholders can no longer enjoy interest-free repayment;

2. The overdue credit card records will be uploaded to the central bank for credit information, which will affect the cardholder's personal credit information records;

3. If it is seriously overdue and the amount owed is huge, it will also constitute a crime because of "malicious overdraft";

4. If the credit card is overdue for more than three months, or the cardholder has not been repaid after being urged by the bank for more than two times, the bank will freeze the credit card and list the cardholder as a prohibited customer, that is, a blacklist. Banks will also sue cardholders for credit card fraud and malicious overdraft, and the court will enforce them;

5. There will be a late fee.

Second, will overdue credit cards have an impact on credit reporting?

1, charge credit card penalty interest. After using the credit card, the cardholder will pay off the credit card consumption amount between the billing date and the repayment date without charging any fees. Once the credit card is overdue, there will be a penalty interest every day.

2. Being collected by the bank. After the credit card is overdue, you will receive a text message or phone call from the bank, urging the debtor to pay off all debts as soon as possible.

3. It affects the credit report. If the credit card has a three-day grace period, paying off the debt within three days after the repayment date is not overdue and will not be reported in the credit report. Once the repayment exceeds the grace period, it will affect personal credit information, and the overdue amount and overdue time will be displayed in the credit information. If the credit card is overdue for three months at a time, it is a serious overdue behavior, which may directly affect the bank's loan business in the later period.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.